FINANCIAL HIGHLIGHTS

RETURN ON JOINT INVESTMENT ACCOUNT (USD)
1997-2001.

  (USD 000)


 
1997
1998
1999
2000
2001
GENERAL AVERAGE RETURNS
6.55%
6.16%
6.62%
6.60%
5.58%
TERMS DEPOSITS - 3MONTHS
4.91%
4.62%
4.97%
5.10%
4.04%
TERMS DEPOSITS- 6MONTHS
4.91%
4.62%
4.97%
5.35%
4.31%
TERMS DEPOSITS -12MONTHS
5.24%
4.92%
5.30%
5.68%
4.58%
TERMS DEPOSITS -24MONTHS
5.90%
5.54%
5.96%
6.02%
4.85%

 
1997
1998
1999
2000
2001
NET PROFIT
4,349
3,705
-2,206
1,303
1,908
TOTAL ASSETS
187,835
199,175
193,254
220,443
259.586
TOTAL DEPOSITS
108,690
114,737
98,776
122,843
166.290
SHAREHOLDERS' EQUITY
57,592
60,893
59,288
59,063
61,000
FUNDS UNDER MANAGEMENT
122,006
125,851
105,164
75,784
58,637
RETURN ON AVERAGE ASSETS
2.53%
1.92%
-1.12%
0.63%
0.79%
RETURN ON EQUITY
7.55%
6.08%
-3.72%
2.21%
3.13%

Ratings


The following ratings were assigned by:
CAPITAL INTELLIGENCE: As of August 2001
Short-term
A-3
Long-term
BB


Annual Report